Discover It Chrome Gas & Restaurant Credit Card Review

If you love to go out to eat or embark on endless road trips, this card is for you.

Written by : Updated On: July 20

The basics

Reward Rate:






All other purchases


Get 2% cash back at gas stations and restaurants on up to $1000 in purchases each quarter

1% back on all other purchases


Key Features:

Annual Fee

No annual fee

Intro APR

0% APR on balance transfers and purchases for the first 15 months

Regular APR

16.99%-27.99% APR based on creditworthiness

Signup Bonus


Cashback match – dollar-for-dollar match of cash back earned through your first year.

Redemption ways


Redeem for any amount, any time through gift cards, or with PayPal.

Our Verdict

The Discover Gas & Restaurant Credit Card offers great rewards on your everyday purchases. The 2% cash back is a decent rate, but the spending cap of $1000 per quarter is quite low. However, it is a great option for those that are working on rebuilding their credit or those new to the credit card game. You only need a credit score of 630 or better for good odds of being approved, and with 0% APR on balance transfers for 15 months, you can work on paying down debt and building up your score.

You can travel outside of the U.S. and still reap the benefits at restaurants with no foreign transaction fees—unlike some other credit cards. The card is a great choice to use on your travels and at the pump, especially as gas prices continue to increase.

Best Suited for:



If there is a new restaurant opening, you are there. You are all about the latest food fusion trend no one has heard of and putting it on the map. You love finding the best new restaurant but also like to go to your old standbys and earning cash back for all. And when you aren’t finding the best new restaurant, you are experimenting with recipes at home, so you also need a good card for reaping the rewards of grocery shopping.



Travel is your middle name. When you aren’t taking advantage of transit for your daily commute in the form of cabs, rideshares and trains, you are looking for a weekend escape. And if there is an opportunity to go somewhere, you take it. You are into earning miles, getting hotel upgrades, eating out and making sure your car is always fueled.


Social Butterfly

You are a person of the people and love to hang out with your friends whether it is a beautiful meal out, attending a sporting event or rocking out at a live concert. If something fun is happening, you want to be there and get rewarded for it.

Hidden perks

The intro APR offer is where this card shines, as it is perfect for those wanting to consolidate and pay off debt without accruing interest. You also get to earn cash back that can be used on new purchases, offsetting some high costs.

Pair this card with:

USAA Rate Advantage Visa Platinum® Credit Card


This card would go great with a card that offers some travel protections like the USAA Rate Advantage Visa, which offers auto rental coverage, travel accident insurance, trip cancellation and interruption coverage, and baggage delay reimbursement. You could use this card at gas stations and restaurants both at home and on travels, and have the USAA card for added protection while you are on the road.

Apply for USAA Rate Advantage Visa Platinum® Credit Card

Beyond the basics

Balance Transfer Intro APR

0% APR for 15 months and and 3% Intro Balance Transfer Fee until September 10, 2023.

Foreign Transaction Fees


Loan APR


Late Payment fee

First late fee is waived—then a fee up to $41

Penalty APR


Credit Score Required


Other Offers

You are never held responsible for unauthorized purchases made on your account.

If you cannot find your card, easily freeze it to prevent new purchases, cash advances, or transfers. If you cannot find it, you get free overnight shipping to replace the card.

Receive an alert if your SSN is found on the dark web.

Track and redeem rewards, view your FICO score, manage your account, and message a representative right from your phone.

Cashback Example

If you spend $1000 at gas stations and in restaurants each quarter, you get $20 back – up to $80 per year. With the dollar-for-dollar match, that doubles to $160.

No annual feeHigh normal APR
Good for people who want to earn high cash back for everyday purchasesAccount fees
First late fee waivedLow rewards rate
No foreign transaction fee

Apply now Explore more credit cards